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Press ReleaseMonthly Archives: August 2026
Summary Breaking an FD before maturity gives you quick access to funds, but it can lower your returns through revised interest rates, premature withdrawal penalties and lost compounding. Before closing the FD, it is worth comparing alternatives such as a loan against FD or partial withdrawal, especially when you only need funds temporarily. A Fixed…
Summary A tax-saving FD is a simple, low-risk option for investors who want fixed returns along with tax benefits under Section 80C. It comes with a mandatory 5-year lock-in, and investments can qualify for a deduction of up to ₹1.5 lakh per financial year under the overall Section 80C limit. However, the interest earned remains…
Summary FD interest is taxable every year and gets added to your total income based on your applicable tax slab. TDS deducted by the bank is only an advance tax, so the full FD interest must still be reported in your ITR. Eligible taxpayers can claim deductions such as ₹50,000 under Section 80TTB and up…
Summary FD interest is taxed under “Income from Other Sources” in both tax regimes, but your post-tax return can differ depending on your slab and available deductions. The old regime may work better if you claim benefits such as Section 80C or 80TTB, while the new regime can be more suitable if you have limited…
Summary Credit card is one of the key financial tools available that helps to achieve financial freedom. It helps to go cashless, shop online or offline whenever you want, and save more through rewards, cashbacks and discounts. Use credit cards responsibly to build long-term financial confidence. Financial freedom is not just about increasing your income….
